The Property Academy Podcast

The Government Won't Pay Me NZ Super – Here's Why⎥Ep. 2182

01 Sep 2025

Contributed by Lukas

Most Kiwis assume that once they hit 65, they’ll automatically qualify for NZ Super. But that’s not always the case. In fact, thousands of people ...

The #1 Wealth Killer No One Talks About (But Should)⎥Ep. 2181

31 Aug 2025

Contributed by Lukas

Most investors think the biggest risk is choosing the wrong strategy. But the real danger isn’t what you invest in … it’s how you behave.In this...

We Built Our Own House – Here's How⎥Ep. 2180

30 Aug 2025

Contributed by Lukas

Dan and Marie from Wellington took on a challenge most Kiwis wouldn’t dare – they built not one, but two of their own homes. In this episode, they...

The Ultimate Property Dilemma: Cut My Losses or Hold On? ⎥Ep. 2179

29 Aug 2025

Contributed by Lukas

What would you do if your investment property dropped nearly $200,000 in value? In this episode, Ed and Andrew tackle one of the toughest calls an inv...

What If NZ Introduced a Capital Gains Tax on Property? ⎥Ep. 2178

28 Aug 2025

Contributed by Lukas

Would a capital gains tax crush the housing market? Or would it barely make a dent? In this episode, Ed and Andrew explore the evidence from other cou...

'If Your House Floods, You're On Your Own' - The Worst Policy Proposal Yet?⎥Ep. 2177

27 Aug 2025

Contributed by Lukas

What happens if your home is destroyed in a flood, but the land underneath it is no longer safe to live on? Until now, governments and councils have s...

Is This The End of Cheap Interest Rates?⎥Ep. 2176

26 Aug 2025

Contributed by Lukas

For years, investors got used to borrowing at low rates. But with interest costs climbing, many are now asking: is this the end of cheap money?In this...

5 Property Investment Tools You NEED to Use (Updated)⎥Ep. 2175

25 Aug 2025

Contributed by Lukas

Property investing just got easier. In this episode, we reveal the five game-changing tools inside Opes+ that can help you grow and manage your portfo...

The 5 Numbers That Impact Property Prices⎥Ep. 2174

24 Aug 2025

Contributed by Lukas

Everyone has a theory about what makes house prices rise or fall. But in reality, there are only five numbers that really move the market. In this epi...

I Bought 3 Houses By 37 – Here's How (Case Study)⎥Ep. 2173

23 Aug 2025

Contributed by Lukas

What happens when you buy at the “top of the market” … and things don’t go to plan? In this episode, we share Sam’s journey of building a 3-...

How Much Money Do You ACTUALLY Need to Talk to a Financial Adviser?⎥Ep. 2172

22 Aug 2025

Contributed by Lukas

Many Kiwis think financial advisers are only for the wealthy. But the truth is, you often don’t need as much money as you think to get started. In t...

The Roger Federer Effect – The Investing Lessons Tennis Can Teach You⎥Ep. 2171

21 Aug 2025

Contributed by Lukas

What can one of the greatest tennis players of all time teach us about investing? More than you might think. In this episode, Ed and Andrew break down...

Could Interest Rates Hit 4.5% (or LOWER)?⎥Ep. 2170

20 Aug 2025

Contributed by Lukas

The Reserve Bank has just cut the OCR again, and interest rates are falling. But how low could they really go — and what does that mean for house pr...

How to Turn Your Houses into Income (For Life)⎥Ep. 2169

19 Aug 2025

Contributed by Lukas

Many Kiwi investors reach a point where they’re asset-rich but cash-poor.They're sitting on millions in property wealth but not sure how to turn...

How I Actually Set My Goals (The Full Process)⎥Ep. 2168

18 Aug 2025

Contributed by Lukas

In this episode, we break down the exact process I use to set goals – the same method that’s helped me stick to my targets and stay focused over t...

How Many Properties Do You Need To Retire at 55?⎥Ep. 2167

17 Aug 2025

Contributed by Lukas

In this episode, we crunch the numbers to answer a deceptively simple question — how many properties do you need to retire by 55? The answer might s...

I Saved $25k By Walking Away From This Property Deal⎥Ep. 2166

16 Aug 2025

Contributed by Lukas

Will and Dawn’s first home journey didn’t go quite as planned — but it ended up saving them $25,000.In this episode, they reveal how they secure...

The Hidden Costs of Retirement Villages – What They Really Cost⎥Ep. 2165

15 Aug 2025

Contributed by Lukas

Retirement villages can look like a comfortable option for your parents (or even yourself one day) — but the financial reality can be very different...

10 Ways to Rent Your Property Faster⎥Ep. 2164

14 Aug 2025

Contributed by Lukas

Vacancies are one of the biggest fears for property investors right now. They cost you money and cause unnecessary stress. In this episode, we reveal ...

How Property Investors Can Vote Twice (Legally!) in Local Elections⎥Ep. 2163

13 Aug 2025

Contributed by Lukas

In this episode, we break down how some Kiwi property investors can legally vote more than once in local council elections — and why it’s not as s...

Revealed: Are Ed and Andrew Misleading?⎥Ep. 2162

12 Aug 2025

Contributed by Lukas

In this brutally honest episode, Ed and Andrew tackle a difficult but essential question: Have we misled people into investing in property?After recei...

How to Live Boujee on a Budget⎥Ep. 2161

11 Aug 2025

Contributed by Lukas

You don’t have to sacrifice the finer things in life just because you’re saving for your next investment. In this episode, Ed, Andrew, and Sabby t...

Before You Invest In Property, Please Listen To This Podcast⎥Ep .2160

10 Aug 2025

Contributed by Lukas

Thinking about becoming a property investor? Before you take the plunge, you need to hear this.This episode is your brutally honest reality check. Mos...

I Bought 4 NZ Properties from the UK Here's How⎥Ep. 2159

09 Aug 2025

Contributed by Lukas

Chris built a 4-property portfolio without using any of his own cash. He started investing while living in the UK – and now owns four houses across ...

33% of New Builds Fail Their Final Inspection (and here’s why)⎥Ep. 2158

08 Aug 2025

Contributed by Lukas

Is New Zealand quietly heading toward another leaky home crisis?Right now, over one-third of new homes are failing their final council inspection – ...

The Real Reason Your Council Rates Are Skyrocketing⎥Ep. 2157

07 Aug 2025

Contributed by Lukas

Council rates are surging across the country – but what’s really driving the increase? In this episode, we break down the hidden forces that are m...

Why Property Investing is Surprisingly Good for the NZ Economy⎥Ep. 2156

06 Aug 2025

Contributed by Lukas

Some experts claim that investing in shares grows the economy, while investing in property doesn’t. But is that really true?In this episode, Ed and ...

Use 1 house to buy 5 more

05 Aug 2025

Contributed by Lukas

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at ⁠how to "Use 1 house to buy 5...

The Best Area To Buy For Every Budget ($100K - $1M)⎥Ep. 2155

05 Aug 2025

Contributed by Lukas

If you’ve got a budget in mind but don’t know where to invest, this episode is your roadmap.We break down the best locations to buy property in Ne...

Where Can I Find Cashflow Positive Properties? (NZ)⎥Ep. 2154

04 Aug 2025

Contributed by Lukas

It’s getting easier to find cashflow positive properties in New Zealand – but only in certain places.In this episode, we reveal brand new data sho...

Airbnb Is Riskier Than You Think⎥Ep. 2153

03 Aug 2025

Contributed by Lukas

Airbnb can look like a cash cow … but beneath the glossy headlines, there are risks many investors don’t realise.In this episode, we break down th...

How This Investor is Finding 20% Gross Yield Properties for Just $360,000⎥Ep. 2152

02 Aug 2025

Contributed by Lukas

In this episode, we sit down with 26-year-old Josh – a young investor who’s seen both sides of the property game.From buying his first home at jus...

Earn 3x More Wealth With This Simple Tip⎥Ep. 2151

01 Aug 2025

Contributed by Lukas

What if the key to building 3x more wealth wasn’t about earning more … but getting help? In this episode, we reveal the surprising reason people b...

Am I Too OLD to Invest in Property?⎥Ep. 2150

31 Jul 2025

Contributed by Lukas

This is one of the most common questions we get from older Kiwis: “Is it too late for me to invest?” In this episode, we break down what it takes ...

10-Year Interest-Only Loans: NZ's Game-Changing Move for Property Investors⎥Ep. 2149

30 Jul 2025

Contributed by Lukas

In this episode, we reveal the banks now offering 10-year interest-only mortgages – and why this could be a game-changer for property investors.Whil...

Divorce Horror Stories: How to Protect Your Wealth⎥Ep. 2148

29 Jul 2025

Contributed by Lukas

Divorce isn’t just emotionally devastating – it can kill your finances. In this episode, we reveal five real-life divorce horror stories and the c...

Should I Get a Pre-Nup? (Relationship Property Agreements Explained NZ)⎥Ep. 2147

28 Jul 2025

Contributed by Lukas

Most Kiwis think a trust will protect their assets in a break-up.But that’s not always true. In fact, without a relationship property agreement (a p...

The Ultimate Guide To Mortgages In New Zealand⎥Ep. 2146

27 Jul 2025

Contributed by Lukas

Getting a mortgage isn’t just about picking the bank with the best rate. There are key decisions and financial tests you need to understand before t...

"How I Saved $45k By 18 Years Old – And Bought My First House"⎥Ep. 2145

26 Jul 2025

Contributed by Lukas

Most 18-year-olds are worried about uni, flatting or getting their licence … not about mortgage rates and tenant cashflow.But Kaylee is different. A...

7 Creative Ways to Save Money on Your Wedding⎥Ep. 2144

25 Jul 2025

Contributed by Lukas

Weddings are beautiful … but they can also cost a fortune. So in this episode, Ed shares the exact tactics he and his fiancée are using to keep cos...

Is a Vision Board Worth It? (We Test It Out)⎥Ep. 2143

24 Jul 2025

Contributed by Lukas

Some people swear by vision boards. Others think they’re woo-woo nonsense. So in this episode, we put them to the test.You’ll hear what’s on Ed ...

What's The BEST Way To Estimate House Prices In New Zealand⎥Ep. 2142

23 Jul 2025

Contributed by Lukas

Online property estimators promise to tell you what your house is worth. But which one is actually accurate? And how close are the estimates to realit...

How High Can House Prices Go? (vs Incomes)⎥Ep. 2141

22 Jul 2025

Contributed by Lukas

In this episode, we ask a big question — what’s the real limit on house prices? Because many Kiwis wonder: If incomes don’t rise much … how ca...

How to Fund a Mini-Retirement With Property (4 Strategies Explained)⎥Ep. 2140

21 Jul 2025

Contributed by Lukas

Not everyone wants to wait until 65 to enjoy life. For some Kiwis, financial freedom isn’t about retirement — it’s about creating options earlie...

If You Are 40 & Own A House In NZ, You Need To Hear THIS⎥Ep. 2139

20 Jul 2025

Contributed by Lukas

You’re in your 40s – your income’s peaking, your expenses are soaring, and everyone wants a piece of you. It’s easy to think “I’ll deal wi...

How This Couple Bought 3 Houses Before 30⎥Ep. 2138

19 Jul 2025

Contributed by Lukas

In this episode, we meet Nefe and Dan – a young Kiwi couple who hit their goal of owning three properties by the time they turned 30.They didn’t w...

5 Signs You Need to FIRE Your Mortgage Broker⎥Ep. 2137

18 Jul 2025

Contributed by Lukas

Not all mortgage brokers are created equal. And if yours isn’t doing their job properly … it could be holding your investment journey back.In this...

What is a Good Yield for a Property in 2025?⎥Ep. 2136

17 Jul 2025

Contributed by Lukas

How do you know if your property’s yield is actually good? Most investors have no clue if they’re doing better than average.In this episode, we re...

The Myth of “I’ll Invest Someday”⎥Ep. 2135

16 Jul 2025

Contributed by Lukas

So many Kiwis delay investing – waiting for the perfect moment, the right mindset, or just more time. But “someday” often turns into “never”...

Why the Great Wealth Transfer Isn't What You Think It Is⎥Ep. 2134

15 Jul 2025

Contributed by Lukas

We’ve all heard about the so-called “Great Wealth Transfer” — $1.6 trillion expected to pass from Baby Boomers to the next generation. But doe...

New Data: Are Rental Appraisals REALLY Accurate?⎥Ep. 2133

14 Jul 2025

Contributed by Lukas

When you get a rental appraisal, can you trust it? Or is it just a guess that’s designed to help someone make a sale?In this episode, we reveal neve...

Is This The End Of NZ Super?⎥Ep. 2132

13 Jul 2025

Contributed by Lukas

Most Kiwis assume NZ Super will always be there. But is that really true? Could the age change? Could the entire system be scrapped?In this episode, w...

How I Went From $20 In My Bank Account To 7 Properties (Case Study)⎥Ep. 2131

12 Jul 2025

Contributed by Lukas

When Warren landed in New Zealand, he had just $20 in his bank account. Fast forward to today, and he owns a portfolio of seven investment properties....

Revealed: The Properties I Really Invested In⎥Ep. 2130

11 Jul 2025

Contributed by Lukas

Most property educators say they invest … but do they really?In this episode, Ed and Andrew lay it all bare – the actual properties they’ve purc...

Do This Before You Invest: The 'Can I Invest Test'⎥Ep. 2129

10 Jul 2025

Contributed by Lukas

Not sure if you’re really ready to invest in property?In this episode, we share the ‘Can I Invest Test’ – a simple way to test-drive the cashf...

Best Way to Invest in Shares? (Sharesies vs Hatch vs Kernel vs ...)⎥Ep. 2128

09 Jul 2025

Contributed by Lukas

Not all share investing platforms are created equal. In this episode, we compare five of the most popular investing platforms used by Kiwis – Shares...

13 Property Investment Strategies Explained (in 60 Seconds or Less!)⎥Ep. 2127

08 Jul 2025

Contributed by Lukas

Think there’s only one way to invest in property? Think again.In this episode, we run through 13 different property investment strategies that Kiwis...

The Truth About Opes Partners - What Clients REALLY Think⎥Ep. 2126

07 Jul 2025

Contributed by Lukas

If you’ve listened to this podcast for a while, you’ve heard us talk about Opes Partners. But what do our clients actually think? In this episode,...

Property Investing Is Risky When You Don't Use THIS⎥Ep. 2125

06 Jul 2025

Contributed by Lukas

You’ve probably heard that property is a “safe investment.”But here’s the truth: property investing is risky … especially when you don’t p...

I Made $100,000 From This One Property Deal (Case Study)⎥Ep. 2124

05 Jul 2025

Contributed by Lukas

Strahan McIntosh didn’t set out to become a property investor. But after teaming up with his brother, surviving cowboy tradies, and getting caught i...

Growth vs. Yield: 5 Questions that Decide Which to Invest In⎥Ep. 2123

04 Jul 2025

Contributed by Lukas

Every property investor eventually asks this question: “Should I buy for capital growth or yield?” In this episode, we walk through 5 critical qu...

The Real Reason You Don't Feel Rich: The Compounding Click⎥Ep. 2122

03 Jul 2025

Contributed by Lukas

Ever feel like you’re doing all the right things financially … but still don’t feel rich?That’s more common than you think – and there’s a...

Are Property Deal Networks Legit or Too Good to Be True?⎥Ep. 2121

02 Jul 2025

Contributed by Lukas

You’ve seen the posts on Instagram — “I’ve got a property deal with $100k in profit waiting for you.” But is that real … or just marketing...

[Must Listen] 3 Huge Risks You Face as a Property Investor ⎥ Ep. 2120

01 Jul 2025

Contributed by Lukas

Most investors only think about one kind of risk: “Will I lose my money?” But there are two other crucial types of risk every investor needs to un...

Top 5 Worst Tenant Horror Stories (NZ)⎥Ep. 2119

30 Jun 2025

Contributed by Lukas

From racist tenants to used condoms on the floor … this episode shares the worst of the worst rental nightmares from Kiwi landlords.In today’s epi...

The Property Market Is Changing (But Not How You Think)⎥Ep. 2118

29 Jun 2025

Contributed by Lukas

The housing market feels flat. Property prices seem to be going nowhere. But look a little closer, and you’ll see a different story.In this episode,...

I Made $660,000 from Property Investing Here's How⎥Ep. 2117

28 Jun 2025

Contributed by Lukas

Lynne and Darren aren’t your typical investors. No kids. Six motorbikes. And a plan to travel the South Island in a motorhome. But they’ve also bu...

Bitcoin vs Property Which is the BETTER Investment for 2025? (with Darcy Ungaro)⎥Ep. 2116

27 Jun 2025

Contributed by Lukas

Bitcoin’s price is up 84,000x since 2011 – turning $100 into over $11 million. But does that make it a smart investment today?In this episode, we’...

Our Top 9 Unhinged Financial Mistakes (NZ)⎥Ep. 2115

26 Jun 2025

Contributed by Lukas

Ever looked back at a financial decision and thought: What was I thinking?In this episode, we count down the 9 most unhinged money mistakes made by re...

What's The BIGGEST Misconception About Ideal Tenants?⎥Ep. 2114

25 Jun 2025

Contributed by Lukas

When you imagine the perfect tenant, who comes to mind? A young professional couple? No pets, no kids, high income, long-term renters? That’s what m...

Why It’s Taking Longer to Find Tenants – and What You Can Do About It⎥Ep. 2113

24 Jun 2025

Contributed by Lukas

In this episode, we dig into what’s really going on in the rental market. Is it just your imagination, or is it genuinely taking longer to find tena...

The Worst Way to Predict House Prices – and Everyone Does It⎥Ep. 2112

23 Jun 2025

Contributed by Lukas

Think you can guess where house prices (NZ) are headed based on what happened last year? Think again.In this episode, we reveal why using last year’...

Can Average Kiwis Still Afford To Invest In Property?⎥Ep. 2111

22 Jun 2025

Contributed by Lukas

Most Kiwis assume you need $100k+ in cash to buy a rental. But that’s not necessarily true.In this episode, we ask: “Can the average New Zealander...

How Debbie and Brett Rebuilt Their Portfolio After Hitting a Wall⎥Ep. 2110

21 Jun 2025

Contributed by Lukas

In this episode, we discuss how Debbie and Brett rebuilt their entire property investment strategy after hitting a major roadblock.After losing financ...

The Weird Money Stuff You Don't Know (But Really Should)⎥Ep. 2109

20 Jun 2025

Contributed by Lukas

You’ve been learning about property investment your whole life … even if you didn’t know it.In this episode, we reveal 5 real-world investing le...

Monopoly Already Taught You These 5 Real Life Investing Lessons⎥Ep. 2108

19 Jun 2025

Contributed by Lukas

You’ve been learning about property investment your whole life … even if you didn’t know it.In this episode, we reveal 5 real-world investing le...

What's the BEST Way to Sell Your Property?⎥Ep. 2107

18 Jun 2025

Contributed by Lukas

What’s the best way to sell your property in today’s market?Auction? Deadline sale? Price by negotiation? There are pros and cons to each – and ...

Are We Really at the Bottom of the Housing Market?⎥Ep. 2106

17 Jun 2025

Contributed by Lukas

In this episode, we dig into the data to figure out whether the housing market has really bottomed out – or if there’s more pain to come.You’ll ...

Do I Really Need a Family Trust? Or Is It Just Another Cost?⎥Ep. 2105

16 Jun 2025

Contributed by Lukas

Thinking about setting up a family trust but unsure if it’s worth it in 2025?In this episode, we dig into the real reasons Kiwis set up trusts – a...

I Own 43 Properties But I Wish I Learned This Sooner⎥Ep. 2104

16 Jun 2025

Contributed by Lukas

Most investors dream of building a massive portfolio – Andrew Nicol actually did it. He owns 43 properties … but along the way, made some major mi...

I Own 43 Properties But I Wish I Learned This Sooner⎥Ep. 2104

15 Jun 2025

Contributed by Lukas

Most investors dream of building a massive portfolio – Andrew Nicol actually did it. He owns 43 properties … but along the way, made some major mi...

I Renovated a House While 8 Months Pregnant!⎥Ep. 2103

14 Jun 2025

Contributed by Lukas

Tiffany’s the behind-the-scenes superstar here at Opes – and in this episode, she finally steps up to the mic.She shares the story of how she boug...

What Happens to My Mortgage If I Die?⎥Ep. 2102

13 Jun 2025

Contributed by Lukas

Nobody likes to think about it … but what happens to your mortgage if you die? Will your kids inherit the debt? Will the bank come knocking?In this ...

Auckland CV's Drop 9% – What Property Owners Must Know⎥Ep. 2101

12 Jun 2025

Contributed by Lukas

Auckland’s new council valuations are out – and the average CV has dropped by 9%. But what does that actually mean for your property, your rates, ...

How Much Should I Actually Invest Per Month?⎥Ep. 2100

11 Jun 2025

Contributed by Lukas

In this episode, we discuss how much Kiwis really need to invest each month. We explore:3 simple rules of thumb for figuring out your target investmen...

How to get better investment returns than the market⎥Ep. 2099

10 Jun 2025

Contributed by Lukas

Ever wondered how some investors seem to get above average returns, while others just track the market?In this episode, we reveal how to potentially b...

Retire before 55 on $100k passive income

10 Jun 2025

Contributed by Lukas

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at ⁠how to "Retire before 55 on ...

The real reason the Real Estate Agent won't tell you the house price⎥Ep. 2098

09 Jun 2025

Contributed by Lukas

In this episode, we discuss: why real estate agents often won’t tell you the price upfront … and what you can do about it.It’s one of the bigges...

Landlords - LISTEN To This Before 1st July⎥Ep. 2097

08 Jun 2025

Contributed by Lukas

There’s a major rule change coming … and if you miss it, a simple cat door could cost you $7,200.In this episode, we reveal the big shift in the H...

I built a secure retirement plan in my 60s – here's how⎥Ep. 2096

07 Jun 2025

Contributed by Lukas

In this episode, we discuss how Mark – a 63-year-old Tauranga pizza shop owner – built a secure retirement plan later in life, even after making s...

From 5% to 40% – The history and future of house deposits⎥Ep. 2095

06 Jun 2025

Contributed by Lukas

In this episode, Ed and Andrew take you on a deep dive through the history of loan-to-value ratio (LVR) restrictions in New Zealand. You’ll hear how...

The biggest house price crashes in history⎥Ep. 2094

05 Jun 2025

Contributed by Lukas

In this episode, we discuss the 7 worst property crashes in history – and how far prices really fell. You'll learn:• What triggered each collapse ...

What it'd take for us to take a long-term interest rate ⎥ Ep. 2093

04 Jun 2025

Contributed by Lukas

In this episode, we discuss what it would actually take for us (Ed and Andrew) to fix our interest rates for the long term.You’ll learn:Why we usual...

The EARLIER You Invest, The RICHER You Get⎥Ep. 2092

03 Jun 2025

Contributed by Lukas

In this episode, we discuss why investing in property early can supercharge your wealth.You’ll learn:How much money you could have made if you bou...

We tested if selling your house at auction ACTUALLY makes you more money⎥Ep. 2091

02 Jun 2025

Contributed by Lukas

In this episode, we discuss whether auctions really get sellers a better price … or if it’s all just hype from real estate agents.We reveal:What t...

The best way to find investment properties in 2025⎥Ep. 2090

01 Jun 2025

Contributed by Lukas

In this episode, we discuss the best way to find investment properties in 2025 — without endlessly scrolling through Trade Me listings.You’ll lear...

"How I bought 4 properties in less than a year"⎥Ep. 2089

31 May 2025

Contributed by Lukas

In this episode, we share the story of Tommy — a Kiwi investor who bought four properties in just 10 months … all while working overseas in China....

Are New Homes REALLY built to last?⎥Ep. 2088

30 May 2025

Contributed by Lukas

In this episode, we discuss whether today’s New Builds are really as good as some people say. You’ll learn:The red flags to watch out for when ins...

New Kiwisaver changes: $96,000 extra for retirement!⎥Ep. 2087

29 May 2025

Contributed by Lukas

In this episode, we discuss the government’s latest KiwiSaver changes … and how they could leave some Kiwis up to $96,000 better off by retirement...

OCR goes down: Why this interest rate cut is different⎥Ep. 2086

28 May 2025

Contributed by Lukas

In this episode, we discuss the Reserve Bank’s latest decision to cut the OCR — and why this interest rate drop is different from the rest.You’l...